The adjustment of credit card points exchange did not inform consumers of the alleged infringement of consumers' right to know. When a consumer applies for a credit card, both parties sign a contract. If one party wants to change or cancel its own behavior and obligations, it must be settled by both parties to the contract through consultation. It is against the relevant provisions of the contract law to change the contractual obligations without consultation or notice.

In addition to the contract law, the new consumer law also stipulates that operators shall not make unfair and unreasonable provisions to consumers, such as excluding or restricting consumers' rights, reducing or exempting operators' responsibilities, and aggravating consumers' responsibilities, by means of format clauses, notices, statements, shop notices, etc.